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Essential Home Repairs Program (EHRP)

The Essential Home Repairs Program is designed to assist eligible Arvada homeowners with repairs and energy saving improvements to their home. It provides loans as well as supervision to assure the work is performed to specified standards by qualified contractors.

What Kind of Home Repairs Qualify?

The work which may be eligible under this program includes, but is not limited to:                        

 Roofing  Structural  Gutters
 Plumbing  Heating  Electrical
 Water Heaters  Drains  Flooring
 Kitchen & Bath Repairs  Sewer Line Replacement  Doors & Storm Doors
 Windows  Painting  Air Infiltration
 Lead Hazard Controls  Insulation: Walls & Attic Exterior Drainage

 

What Requirements are needed to Participate?

Your eligibility will be determined on the basis of the following factors:

  • Your home must be a single-family residential structure located in the City of Arvada.
  • You must own or be buying your home.
  • You must live in your home as the primary residence.
  • Your annual family income cannot exceed a specific income (Listed below).
  • You must meet bank requirements regarding credit worthiness and financial condition for the 0%, 3%, and Prime Rate Loans.

What Types of Financial Assistance are Available?

Below are the Loans available. The maximum amount of assistance provided is up to $30,000.

 2016 Income Guidelines             

FHA Mortgage $458,850 Limit on property value ♦ Average Median Income (AMI) $80,100. If the county values your property value over this amount, then you would not qualify for the EHRP Assistance.

 

Household

Size

 

FORGIVABLE LOAN

 *Available for income qualified elderly and disabled ONLY.

No repayment is required if you reside in your home for 10 years from the time the forgivable loan is signed.

 

DEFERRED LOAN

*Available for Low Income Households.

Loan must be paid back to the City when the house is sold, any transfer of title, or when unit becomes a rental property.

 

0% INTEREST BANK LOAN

The amount borrowed (principal) is all you repay within 10 years.

 

3% INTEREST BANK LOAN

The amount borrowed plus 3% annual interest.

 

PRIME RATE LOAN

No financial assistance. The interest rate charged is the current prime rate. 

 

  (50% AMI )

(67% AMI )

(80% AMI )

(130% AMI )

1

         $28,050

$28,050

$37,587

$44,900

$72,930

2

         $32,050

$32,050

$42,947

$51,300

$83,330

3

         $36,050

$36,050

$48,307

$57,700

$93,730

4

         $40,050

$40,050

$53,667

$64,100

$104,130

5

         $43,300

$43,300

$58,022

$69,250

$112,580

6

         $46,500

$46,500

$62,310

$74,400

$120,900

7

         $49,700

$49,700

$66,598

$79,500

$129,220

8

         $52,900

$52,900

$70,886

$84,650

$137,540

 Note: If your income exceeds the amount listed, then the following RIGHT SIDE type of loan is what you may qualify for.

For more information and or to get on the wait list you can contact:
  •  Wendy Brazzell: Housing Services Specialist
    720-898-7496
  •  William Quintanilla: Housing Rehab/Loan Specialist
    720-898-7498
  •  Fax Number: 
    720-898-7490
  •  Street Address:
    8001 Ralston Road, Arvada, CO 80002

          Hours of Operation:    Monday through Friday 8:00 A.M. to 5:00 P.M.

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